this isn't rocket science. when the red flag goes up, don't pay until you verify. we will save tens of billions of dollars and put more money back and medicare, which will make it more solvent. gerri: goodness sakes, you are suggesting we adopt private sector ideas to the public sector system? thank you for coming on, a pleasure to talk to you. you have got to come back soon. >> thank you so much, enjoyed being on. gerri: thank you. coming up and we go to the l.a. auto show and show you the hottest trends of all things cars. and looking ahead to 2013 at the next threat to the financial system. when nobody is talking about it. we will next. ally bank. why they have a raise your rate cd. tonight our guest, thomas sargent. nobel laureate in economics, and one of the most cited economists in the world. professor sargent, can you tell me what cd rates will be in two years? no. if he can't, no one can. that's why ally has a raise your rate cd. ally bank. your money needs an ally. how you doing? my name is steve. my family's lived in this neighborhood for years. recently,